We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 381 results
-
Decision Reference DRN7517695
16 Dec 2015 Ocaso SA, Compania de Seguros y Reaseguros UpheldInsurance (excluding PPI)Ms G is unhappy with the way Ocaso SA, Compania de Seguros y Reaseguros (Ocaso) dealt with a flood damage claim.backgroundI wrote a provisional decision in October 2015. I’ve attached a copy which forms part of my final decision.Ms G responded to my provisional decisi... (6 pages)View decision -
Decision Reference DRN2081834
27 Oct 2015 Millennium Insurance Company Limited UpheldInsurance (excluding PPI)Mr and Mrs S are unhappy with the settlement figure offered by Millennium Insurance Company Limited following an escape of water claim.backgroundMr and Mrs S made a claim which was accepted by Millennium. Mr S is a builder by trade and submitted a quote for repair (an... (2 pages)View decision -
Decision Reference DRN-4876487
27 Jun 2024 Covea Insurance plc UpheldInsuranceDRN-4876487 The complaint C, a limited company, complains Covea Insurance plc has only agreed to partially settle a claim against its buildings insurance policy. C is represented by its director. For ease of reading, I will refer to her actions as C’s. Covea is represented. For ease of rea... (3 pages)View decision -
Decision Reference DRN-4121745
8 Jun 2023 Jelf Insurance Brokers Limited Not upheldInsuranceDRN-4121745 The complaint G complains that Jelf Insurance Brokers Limited gave it incorrect information at inception and renewal of its landlords insurance policy that led it to be underpaid by the insurer following a claim. As a director of G, Mr B brings the complaint on its behalf. He h... (3 pages)View decision -
Decision Reference DRN0708632
28 Jun 2013 AXA Insurance UK Plc UpheldInsurance (excluding PPI)Mrs K is dissatisfied with the offer of settlement made to her by AXA Insurance UK Plc in relation to a claim for escape of water made under her home insurance.backgroundIn May 2011, Mrs K contacted AXA to make a claim on her policy following an escape of water at her home. The appoin... (2 pages)View decision -
Decision Reference DRN-4840388
28 Sep 2024 Chaucer Insurance Company Designated Activity Company UpheldInsuranceDRN-4840388 The complaint Mr and Mrs A complain that Chaucer Insurance Company Designated Activity Company (“Chaucer”) unfairly declined a claim made for fire damage to their rental property. Any references to Chaucer in this decision include its appointed agents. What happened In Novem... (2 pages)View decision -
Decision Reference DRN-4383912
12 Oct 2023 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-4383912 The complaint Mr and Mrs L complain that Accredited Insurance (Europe) Ltd (“AIL”) has offered a reduced settlement for a claim they made under their buildings insurance policy. Mrs L has primarily dealt with things and been represented at times. For simplicity, I’ll refer to h... (5 pages)View decision -
Decision Reference DRN-4995093
2 Sep 2024 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-4995093 The complaint Mr and Mrs B have complained that The National Farmers' Union Mutual Insurance Society Limited (NFU) have sought to limit their claim settlement following impact damage to one of the buildings on their property. What happened Mr and Mrs B made a claim und... (6 pages)View decision -
Decision Reference DRN6616087
30 Mar 2020 The National Farmers' Union Mutual Insurance Society Limited Not upheldInsurance (excluding PPI)Mr and Mrs H are unhappy with the way The National Farmers’ Union Mutual Insurance Society Limited (“NFU”) has handled their claim for damage to their business caused by a fire.backgroundI issued my provisional decision on this complaint in February 2020 explaining that I was intending to ... (12 pages)View decision -
Decision Reference DRN-2092747
6 May 2021 Fairmead Insurance Limited UpheldInsuranceDRN-2092747 The complaint Mr and Mrs S complain about the way that Fairmead Insurance Limited has handled their home insurance claim for damage caused to their house by a fallen tree. What happened Mr and Mrs S’s home was damaged by a 70ft local authority owned tree, situated on their boun... (5 pages)View decision
